Yes, there are investors that won't want to use all their discretionary income to buy Bitcoin at once so that they can save up money they will use to buy the dip. I don't buy the idea of saving up money to buy the dip because we don't know when it will happen, and if it happens, it could be the price that you refused to use all your discretionary income to buy Bitcoin at once. Instead of saving up money to buy the dip, i prefer using all my discretionary income to accumulate Bitcoin with the DCA strategy since it allows me to be consistent in accumulating Bitcoin, and it will also give me the opportunity to buy most dips that will happen.
You made a solid point about DCA. Staying consistent with buying no matter the market condition has proven to be one of the smartest ways to build Bitcoin over time. Like you said, waiting for the “perfect dip” is often a trap, because nobody knows when or where it will happen. Many end up holding cash aside only to buy later at higher prices. So yes, I get your point and I support that approach.
But let’s be a little more realistic here, when I read some people talking about putting 100% of their discretionary income into Bitcoin, I kind of feel a bit loss, because for me life doesn’t really work like that. My Discretionary income is not only for investment, it is obviously the extra after I have covered essentials, but even in that extra, there are always other small things that demand attention.. Somethings like holding a little casual fund at hand, I feel healthy doing that, also maybe it is buying a gift for your kids, maybe it is just covering other minor necessary expense.. Something talking about throwing 100% into Bitcoin and acting like nothing else exists outside of it is a bit unrealistic to me, respectfully speaking. Life has other angles and a real man would understand the importance of keeping small funds aside for those purposes, just saying..
That is why I feel a balanced approach is healthier. I am not saying do not be committed to Bitcoin, because truly the more you commit now, the more the future reward. But instead of putting the whole discretionary income into Bitcoin, why not keep it realistic like 65-80%? That way you are still building your stack aggressively but also leaving room for those necessary side expenses that just make life manageable. This is just my view though..